Senate Bill 5928 would require insurance companies, when they use third-party wildfire risk scores in home insurance, to disclose the wildfire risk scores, explain the factors behind the score, and provide plain-language steps consumers can take to improve their score. It would also allow property owners to appeal decisions where they have completed mitigation work since the last evaluation or identify demonstrable inaccuracies in the evaluation. The bill is not yet final law; It now moves to the Washington House of Representatives for consideration, meaning key implementation details, including timing, remain unspecified.